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									Buyer's Cost Calculator
Provided by The Private Mortgage Group

             Enter the transaction details in Gray below then print... the c
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     Buyer and Property Details                                Loan Details
Buyer Name(s):                              Loan Amount:
Smart Homebuyer                             Loan Type:
Property Address:                           Loan Term (Years):
1234 Fifth St                               Interest Rate:
Purchase Price:              $200,000       Loan Officer Name:
Annual Property Taxes:       $6,000.00      Broker Flat Fee:
Earnest Deposit:             $1,000.00      Whole House Insp:
Condo?                          No          Radon Inspection:
Flood Zone?                     No          Mold Inspection:
Monthly HOA Dues:              $0.00        Home Warranty:
Cash Buyer?                     No          Seller Paid Costs:
Will Buyer Escrow?              Yes              Estimated Closing Costs, Prepaid
Closing Date:              January     1              Prorations & Inspections:

                                                               $9,925
        To PRINT: Press 'CTRL + P'                        ||      To PREVIEW
           Questions or recommended changes? Contact Ryan Shoemaker, 392-5805, rya
                                      Last Updated:        4/21/2011


elow then print... the calculator will do the rest.
ch entry to move to the next item.

      Loan Details                          Loan Amount Help
                 $180,000.00          %      Enter this
                Conventional         Down    Loan Amt     Notes
                      30              0%     $200,000     VA only
                   4.875%            3.5%     $193,000    FHA Minimum
               Ryan Shoemaker        5%       $190,000    Conv. Minimum
                   $175.00           10%      $180,000
                   $300.00           15%      $170,000
                   $150.00           20%      $160,000
                   $150.00
                   $495.00                Estimated Monthly PITI:
                  $6,000.00
ed Closing Costs, Prepaids,                 $1,626.07
orations & Inspections:                Estimated Cash at Close:

      $9,925                                $22,325.27
 ||      To PREVIEW: Press 'CNTL + F2'
n Shoemaker, 392-5805, ryan@theprivatemortgagegroup.com.
Buyer's Cost Estimate
BUYER(S)                                                LOAN SUMMARY
Smart Homebuyer                                         Purchase Price
                                                        Down Payment
PROPERTY ADDRESS                                        Loan Amount
1234 Fifth St                                           Loan Type                 Conventional, 30 y
                                                        Interest Rate
CLOSING COST ITEMS
Appraisal                                     $400.00   MONTHLY PAYMENT
Origination Fee                                 $0.00   Principal and Interest
Underwriting & Processing                   $1,197.50   Real Estate Taxes
Escrow Closing                                $250.00   Homeowner's Insurance
Real Estate Settlement (Buyer's Half)         $200.00   Flood Insurance
BasicTitle Insurance (Buyer's Half)           $352.50   Mortgage Insurance
County Recording Fees                          $85.00   HOA Dues
Termite Inspection                             $85.00   Total Monthly Payment
Home Warranty                                 $495.00
Real Estate Broker Flat Fee                   $175.00   CASH AT CLOSING DETAILS
Property Survey (Optional in most cases)       $90.00   Down Payment
TOTAL CLOSING COST ITEMS                   $3,330.00    Closing Costs & Inspections   +
                                                        Prepaids & Escrows            +
PREPAID ITEMS                                           Upfront Mortgage Insurance    -
Prepaid Interest for 31 days                  $745.27   Seller Credit                 -
Hazard Insurance (1st Year Premium)         $1,200.00   Inspections Paid in Advance   -
Flood Insurance (1st Year Premium)              $0.00   Earnest Deposit               -
Upfront Mortgage Insurance                      $0.00   Total Due at Closing          =
TOTAL PREPAID ITEMS                        $1,945.27

ESCROW ITEMS
Hazard Insurance Reserves                     $300.00
Tax Reserves                                $4,000.00
Tax Prorations                               -$250.00
Flood Insurance Reserves                        $0.00
TOTAL ESCROW ITEMS                         $4,050.00

INSPECTION FEES PAID IN ADVANCE
Whole House Inspection                          $300
Radon Inspect                                   $150
Mold Inspection                                 $150
                                                        Contact Ryan Shoemaker with The Priv
TOTAL                                          $600
                                                                Mortgage Group to complete yo
                                                                        financing arrangemen


X
Buyer                                          Date
                                                                         Ryan Shoemake
                                                                              (402) 392-580
X                                                                  ryan@theprivatemortgagegroup.c
Buyer                                          Date                 www.theprivatemortgagegroup.c
This statement is an estimate of the total funds the prospective borrower will pay at the close of escrow and is based solely on estimated figures and
  information available at the time it was prepared. The figues in this estimate are not binding and are not a substitute for a Good Faith Estimate to b
                           provided at the time of application. This is neither a loan commitment nor a guarantee of any funds.
                $200,000
                 $20,000
                $180,000    Interest Rates
   Conventional, 30 years       4.000%
                 4.875%         4.125%
                                4.250%
                                4.375%
                $952.57         4.500%
                $500.00         4.625%
                $100.00         4.750%
                  $0.00         4.875%
                 $73.50         5.000%
                  $0.00         5.125%
             $1,626.07          5.250%
                                5.375%
                                5.500%
             20,000.00          5.625%
               3,930.00         5.750%
               5,995.27         5.875%
                   0.00         6.000%
              (6,000.00)        6.125%
                (600.00)        6.250%
              (1,000.00)        6.375%
            $22,325.27          6.500%




aker with The Private
 oup to complete your
ancing arrangements.



n Shoemaker
402) 392-5805
vatemortgagegroup.com
vatemortgagegroup.com
olely on estimated figures and the
for a Good Faith Estimate to be
y funds.
January
February
March
April
May
June
July
August


September


October

November
December
nterest Rates
R
J
S
J
P
 Interest Rates                        Tax Escrows
     4.000%                            Close       Total     Escr Mos* Ppd Mos 1st Pmt
     4.125%                            January            8          8           0 March
     4.250%                            February           9          3           6 April
     4.375%                            March             10          4           6 May
     4.500%                            April              5          5           0 June
     4.625%                            May                6          6           0 July
     4.750%                            June               7          1           6 August
     4.875%                            July               8          2           6 September
     5.000%                            August             3          3           0 October
     5.125%                            September          4          4           0 November
     5.250%                            October            5          5           0 December
     5.375%                            November           6          6           0 January
     5.500%                            December           7          7           0 February
     5.625%                            * Escrow months are less 1 month for Aggregate Adjustment
     5.750%                            FHA UFMIP Rate           1.000%                    LTV
     5.875%                            FHA MI Rate               1.15%                90.000%
     6.000%                            VA Funding Fee            2.15%
     6.125%                            Hazard Insurance Rate     0.60%             UW Fees
     6.250%                            Flood Insurance Rate     55.00%             Conv
     6.375%                            Conv MI Rate                                Govt
     6.500%                            90.01 to 95               0.67%
                                       85.01 to 90               0.49%
                                       80.01 to 85               0.32%

Ryan Shoemaker     (402)   392-5805              ryan@theprivatemortgagegroup.com
Jack Shotbolt      (402)   392-5804              jack@theprivatemortgagegroup.com
Sonja King         (402)   392-5803              sonja@theprivatemortgagegroup.com
Jeremy Wilhelm     (402)   392-5801              jeremy@theprivatemortgagegroup.com
Pete Coen          (402)   392-5808              pete@theprivatemortgagegroup.com
Katie Page         (402)   392-5802              katie@theprivatemortgagegroup.com
Matt Clure         (402)   392-5806              matt@theprivatemortgagegroup.com
Mike Petrovich     (402)   305-4824              michael@theprivatemortgagegroup.com


Fees
Conv Appraisal                   400
Govt Appraisal                   500
Application Fee                   35
Processing                       350
Escrow Closing                   250
RE Closing                       200
Overnight Delivery Fee             0
Recording                         85
Pest Inspection                   85
Property Survey                   90
                         Tax Reserves
                         Close     Pror Mos
                         January         -0.5
                         February        -1.5
                         March           -2.5
                         April            2.5
                         May              1.5
                         June             0.5
                         July            -0.5
                         August           4.5
                         September        3.5
                         October          2.5
                         November         1.5
                         December         0.5
te Adjustment




                1197.5
                   785

								
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